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In many cases, homeowners insurance covers smoke damage remediation, but coverage depends on the cause of the damage and the specifics of your policy. Typically, damage from a house fire, wildfire, or even a fire in a neighboring home is covered. However, damage from cigarette smoke is generally not covered.

Before filing a claim, review your policy to understand what is covered, such as restoration costs, replacement of damaged items, and temporary relocation. It's crucial to document all damage thoroughly, including to furniture and personal belongings. Contact your insurance provider promptly to start the claim process and get an evaluation before hiring professionals. Your insurer may also provide a list of approved smoke remediation companies to streamline the process.

Repairing a fire-damaged home could cost anywhere from $2,000 to $200,000 or more—it all depends on the extent of the damage and the quality of the materials you use. In most cases, your homeowner’s insurance company will cover the majority of the repairs. If you’re buying a home with fire damage, though, it’s best to get an estimate from a fire damage restoration company to estimate the repairs before closing.

Some of the most common chimney problems include:

• Creosote buildup

• Chimney blockage

• Deteriorating brickwork or stonework

• Cracked chimney top

• Damaged flashing

• Flue liner damage or deterioration

• Damaged chimney cap

If you suspect you have a chimney problem, contact a masonry contractor for an inspection. 

Burning a single palm tree stump, if you’re careful, is technically doable DIY. However, you should always take precautions to control the fire and do research if you’re burning multiple types of trees. 

Some trees, such as ornamental trees, black cherry, and some oak trees, release toxins into the air when burned that can be irritating to your lungs (or even dangerous) to breathe in.